Bank-check post-card folder



Feb. 13, 1934. E MCCARTHY 1,946,751

BANK CHECK VOST CARD FOLDER Filed OC.. 5, 1952 Fre 1 Y Ea. 2

RICHARD Ros Co.I .SAcRAMEm-o, 111.11; 1

Patented Feb. 13, 1934 BANK-CHECK POST-CARD FOLDER Kellogg B. McCarthy, Sacramento, Calif. Application october 5, 1932. serial No. 636.266

1 Claim.

The present invention relates to the growing tendency to use bank-checks for the payment', of relatively small sums, as where dividends or interest payments are made to investors by large commercial or bankinginstitutions, and in fact in the paying of current merchandise and service accounts by merchandising firms generally. The present practice is to place each check in a sealed envelope which of course requires letter postage,

and the number of checks thus mailed periodically by large concerns is so great as to make the annual item of postage alone mount into the tens and even hundreds of thousands of dollars.

It is an object of my invention to substantially reduce the cost of sending bank-checks through the mails, particularly where it is necessary to mail these in large numbers.

It is a further object of my invention to provide a novel bank-check postcard folder which embodies a bank-check -which may, without other identification than the name and address of the payee written on the check, be sent through the mail.

It is another object of my invention to provide a novel bank-check post-card folder embodying not only a bank-check as above noted, but also a voucher stating the account for which the check is drawn, and in which folder neither the check nor the voucher is visible to the post-oilice department or the public while the folder is en route to the payee of the check.

Further objects and advantages will be made manifest in the following description, taken in connection with the accompanying drawing, in which:

Fig. 1 is a plan view of a preferred embodiment of the bank-check post-card folder of my invention prepared for mailing.

Fig. 2 is a vertical sectional view taken on the o line 2--2 of Fig. 1.

Fig. 3 is a perspective view of the bank-check folder shown in Fig. 1 just before its being sealed, and with the flaps opened apart to disclose the appearance of the inner faces of the aps.

45 Referring specifically to the drawing, the preferred embodiment of the invention illustrated therein comprises a folder 10 including a check flap 11 and a cover ap 12.

The folder 10 is preferably made of card-board of the quality commonly used for post-card folders, the naps 1l and 12 being made of the same piece, these flaps being hinged together by bending this piece of cardboard along the line 13 where perforations 14 are provided.

Bank-check flap 1l carries the regular indicia (Cl. 22B- 923) required in the writing of a check and relating to the particular rm sending the check and the bank on which the check is drawn. This flap also provides a rectangular space 15 in which the name and address of the payee of the check .Q is written. The balance of the check is printed as is customary excepting the date, the amount of the check and the signature.

4The cover ap 12 is of the same size as the check flap 11 and is adapted to overlie this when .u the two aps are bent together on the line 13.

Provided in the cover ap 12 so as to exactly overlie the space 15 for the name of the payee on the ap l1 is a window opening 16. The location of the space 15 and window 16 on the aps n 11 and 12 are such as to provide an ample space 17 on the inner face of the flap 12 between the V window opening 16 and the folding line 13 on which to print a voucher form 18, the purpose of this voucher being to provide a statement 7| indicating what the remittance in the check is to cover.

It is thus seen that both the check and the voucher of the folder 10 are made out with one insertion of the folder into the typewriter and it u is necessary to write the name of the payee-addressee once only, this appearing in the space 15 of the check flap 11. When entirely lled out as shown in Fig. 3, aps 11 and 12 are folded together and their edges sealed by adhesive s. stickers 19 and 20, and a one-cent stamp 21 is applied to the face of the folder. The folder 10 is now completely prepared for mailing and it is readily seen that numerous advantages result from the novel features of this folder. In the 0 first place, the check retains its identity after it has been detached from the cover flap 12 carrying the remittance statement. On the other hand, when the folder is sealed together as shown in Fig. 1 the name of the payee on the 95 check indicates the addressee of the folder, thus requiring only a single writing of the name of the payee. In fact, there is not a single bit of duplication on the entire folder excepting that the voucher number and amount of the check .100 appears on both the voucher and the check. These duplications, however, are essential in order to identify the voucher with the check afterone has been detached from the other.

It is also to be noted that the positioning of the window 16 and the payee space 15 close to corresponding edges of the folder flaps 11 and 12 provides an ample space 17 in which statement 18 may appear. Thus the advantages of the window 16 are obtained substantiauy with- H0 being a fold line between the aforesaid two forms whereby the forms may be folded face to face thereby constituting a mailing folder, the memorandum form having an opemng therein through which in the folded condition that space on the check form which is designed to receive the name of the payee is exposed, the memorandum form being substantially the size, shape and area of the check form.

KELLOGG B. MCCARTHY. 

